the third issue when it comes to the government is the caution that mark issued, the state and the city universities have been defunded over decades, and that as part of the rising tuition costs. a public university level that -- i read once that every time there is a financial crisis, they cut university's first that they never put that back when the economy rebounds. we have had tuition rates go way up. in terms of the government, all those different roles that they apply, how much of this is a problem that the private sector and individual families are not as much to blame for. >> there is plenty of blame to go around. we have kindergarten, before kindergarten, and at the college level, someone graduates -- someone who graduates is twice as likely to go on. the debt is having an effect on people's choices, like it or not. a government is responsible for it. there is the failure of grants to keep pace with college thoughts. the government is also responsible for the failure of the grants. the other side would like to blame the cost, but i think it is both. those are very interesting a